Understanding Your Homeowners Policy
Coverage To Protect Your Home
Dwelling Coverage
In the event that your home should be damaged or destroyed, your dwelling coverage pays to help you repair or rebuild your home. Disasters such as fire, windstorm, and hail damage that may damage your home are all events commonly covered by your homeowners policy.
Related Structures
Related structures coverage applies to buildings such as a garage or a shed on your property which is not connected to your home.
Coverage To Protect Your Belongings
Personal Property
In the event of a loss which is covered in the terms of your policy, personal property coverage helps replace the items that fill your home and that may be stolen, lost, or destroyed. Your personal property coverage may offer limited coverage on certain items such as collectibles, jewelry, and firearms. If you have items of special significance in your home ask your agent about Scheduled Property Coverage.
Coverage To Protect You
Personal Liability
If someones property is damaged or if he or she is injured, and you are legally responsible, personal liability coverage offers protection. Things like your income and your assets are important to consider when choosing the amount of personal liability coverage you require.
Medical Payments
In the event that a guest may be injured on your property and he or she requires medical treatment your med pay coverage is designed to cover his or her medical expenses. Med pay can sometimes apply off of your property as well.
Additional Living Expenses
If your home, due to a covered loss, becomes unlivable, this coverage will pay your additional living expenses associated with the loss.
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